Ingle TuGo International Student Insurance

Three reasons: (1) it covers students up to age 69, while Manulife caps at 45 and GuardMe focuses on traditional undergraduates; (2) it has the highest dental injury cap in Canada at CAD 6,000; (3) it includes maternity coverage of CAD 25,000 — useful for student families. The trade-off: it's slightly more expensive at CAD $2.11/day vs GuardMe's CAD $1.93/day.

Yes. With CAD 2 million in coverage and emergency medical, hospital, and prescription drugs included, it meets every Canadian institution's minimum requirements. In Ontario, however, UHIP is mandatory for university students — TuGo can serve as supplementary or as the main plan only at colleges that allow opt-out.

Yes — worldwide travel is covered during the policy period as long as the majority of your time is spent in Canada. Visits to your home country are allowed but expenses incurred there are not covered, and any condition that arose in your home country is excluded.

If your pregnancy starts during the coverage period, the plan pays up to CAD 25,000 for prenatal, delivery, and immediate postnatal care. This is significantly higher than competitor offerings (Manulife covers maternity only as part of the standard CAD 2 million emergency limit, GuardMe excludes routine maternity).

Each family member pays CAD $2.11/day individually — there is no bulk discount, but adding a spouse or children does not require a separate policy. Children must be 15 days to 25 years old, spouses up to 59. The student must remain enrolled in a Canadian school for the family policy to be valid.